Liability Insurance Ontario

Ontario is the most densely populated province in Canada in terms of both people and businesses. It is important for small businesses to protect themselves with Liability Insurance in Ontario as liability claims can be extremely detrimental to a business.

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Consultant Insurance

What is Ontario Liability Insurance?

Liability Insurance may refer to a broad range of insurance coverage which are designed to protect a business against various claims where the business may be held liable for damages to a third party. For instance, damages to a third-party’s property by employees of a business may result in a liability claim as the business can be held liable for the damages, but if the business’s own property is damaged, such a claim would not be considered a liability claim.
What does Consultant Insurance cover?

What Does Ontario Liability Insurance Cover?

Liability insurance may cover a broad range of cases where a business may be held liable for damages to a third-party. Bodily injuries and property damage to third parties are covered under commercial general liability insurance. Errors and omissions in service that lead to financial harm to clients are covered under professional liability insurance (also known as errors and omissions insurance). Additionally, cases related to breach of duty by directors and officers of a company are covered under directors and officers liability insurance (D&O). Another type of coverage recommended for companies in specific industries is cyber liability insurance. Discuss with your broker which of these liability coverage make the most sense for your business.
What is the cost of Consultant Insurance?

Who Needs Ontario Liability Insurance?

All businesses in Ontario should consider protecting their business with some form of liability insurance. The most common policy that almost all businesses opt for is general liability insurance, for obvious reasons. Injuries to third-parties are one of the most common causes of insurance claims. Accidents can happen anywhere, at anytime, and even when you are not at fault in any way, it’s possible that you may be held liable for injuries that happen at your place of business. Some businesses, especially those that provide services such as medical therapy, accounting and consulting are especially prone to errors in service. For such businesses it makes sense to have professional liability coverage in place. So whether you are a restaurant owner, contractor, accountant, consultant, carpenter, retailer, or vendor, you should consider the benefits of an appropriate liability insurance coverage.
What is the cost of Consultant Insurance?

How much Does Liability Insurance in Ontario Cost?

The cost of your policy will vary depending on a multitude of factors and cannot be determined without taking into account some basic information regarding your business. For many insurance policies, the premium will depend on general factors such as annual revenue, managers’ years of experience in the industry, number of employees, security measures in place, etc. Other factors that affect the cost of Ontario liability insurance are the industry that the business operates in, types of products and services offered (some carry extra risk), types and cost of property and equipment owned by the business, etc. The price of your premium may also go up if you have had previous insurance claims, or if you lack a certain number of years of experience in the industry you operate in (for some industries).

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Largest Ontario Cities for Small Businesses

The economic power of Ontario is the results of its cities. These are Ontario’s largest cities:

  • Toronto

  • Ottawa

  • Hamilton

  • Kitchener

  • London

  • Oshawa

  • Windsor

  • Niagara / St. Catherines

  • Barrie

  • Guelph

  • Kingston

  • Kanata

  • Milton

  • Brantford

  • Thunder Bay

  • Sudbury

  • Peterborough

  • Sarnia

  • Belleville

  • Sault Ste. Marie

  • Ajax

  • Whitby

  • Burlington

  • Oakville

  • Brampton

  • Mississauga

  • Aurora

  • Markham

  • Vaughan

  • Orangeville

Our Ontario location:

Serving the Ontario small business community

  • 200 University Ave #1302, Toronto, ON M5H 3C6

  • +1 888-654-6030

Common scenarios where Liability Insurance in Ontario is useful:

Commercial Insurance Canada Scenario
As dietitian working with an athlete recommends a supplement that has an adverse effect on the athlete’s health. Although the athlete failed to disclose important health related information to the dietitian, the dietitian is sued for negligence and faces a legal battle. In this case, professional liability insurance could be useful.
Commercial Insurance for Contractors
While renovating a client’s apartment, a general contractor causes damage to the wall. The damages turn out to be hefty, and the client believes that the contractor is liable for the damages. From the contractor’s perspective, this situation falls under the category of property damage to a third party and may be covered by his general liability insurance policy.
Commercial Insurance for Restaurants
A SaaS company creates custom software for managing the operations of B2B companies. The software are hosted on the SaaS company’s servers. Unfortunately, the company’s servers are hacked and the security breach leads to loss of information belonging to their clients. Cyber liability insurance may protect the SaaS company in such a scenario

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